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If you need money for cosmetic surgery and your score is 670 or better, you might want to consider the Discover it Miles card. It offers a sign-up bonus, 1.5x Miles reward on every dollar of every purchase and no annual fee or foreign transaction fee. The Discover it Miles comes with a good 0% intro APR offer for 14 months on purchases, and then the ongoing variable APR of 11.99% - 22.99%. You can pay for anything with this credit card if it is accepted by your doctor, merchant or retailer.

Also, you may want to consider the Citi Diamond Preferred Card. This card comes without an annual fee and rewards, but it offers one of the longest 0% intro APR periods. The Citi Diamond Preferred Card offers a 0% Intro APR for 18 months on purchases from the date of account opening, after that 15.99% - 23.99% variable APR, based on your creditworthiness.

If you want to borrow a specific amount, you may want to consider personal loans. You can choose the duration of the loan and request a specific amount (or a little more). You can also negotiate with your lender the amount of your loan and interest rates.